Originally Posted by DaveSchwartz
It does factor into the rating. When I added my RV to my policy, the questionnaire asked about the storage location. I assume that storage at home is a discount because you will be checking it much more frequently and generally far fewer people will have access.
Yep, that's pretty much it. They're looking at:
1) If it's at home, you're going to have an eye on it more than if it's at a lot.
2) At a lot more people have access than at your home.
So, in general, if there's a difference in rates (not everyone has them) then it should be higher in a storage lot.
That's the general case. In some cases, if you happen to live in a high crime area, it might actually be cheaper in a lot where it could be considered "more secure" than the current location.